After a termite infestation, we had a contractor open our walls to see the extent of the damage, which turned out to be much worse than expected, with mold, rot, etc. Our house is about 100 years old so it's not surprising that a lot of damage has accumulated, but it was a shock. The repair estimate is $85,000.
The contractor says that it is up to us whether to get permits. He advised against it because it could open a can of worms, where we would have to do additional work that is not really needed could be hit with fines if it was not done quickly enough. Additionally, there is the risk that they would require us to move out of the house while the work was done.
My husband has seen the damage, and the contractor seems trustworthy. He has five stars on Google with many reviews. Still, we'd like to get others' opinions about whether to bring in the city.
We think we have imminent collapse coverage through our home insurance, so we might also bring them in, in case that matters.
UPDATE: I appreciate all the people who took the time to give helpful advice. We have decided to pull permits.